The best business credit cards give great rewards and helpful perks for businesses. Find the right one to earn cash back, travel benefits, and more!
1. Credit card: Ink Business Unlimited® Credit Card
Rating: 4.6 / 5
Annual fee: $0
Rewards rate: 1.5% (Earn unlimited 1.5% cash back on every purchase made for your business)
Intro offer: $750 (Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening)
Pros: High rewards rate, Intro APR period, No reward caps, New cardholder bonus offer.
Cons: No bonus categories.
Why we like it: This is an excellent business card if you want simple rewards, a big sign-up bonus and flexible redemption options. Cash back is earned as Chase Ultimate Rewards, which can be redeemed for a statement credit or travel, among other things.
Product Details: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. Earn unlimited 1.5% cash back on every purchase made for your business. No Annual Fee. Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®. Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control. Round-the-clock monitoring for unusual credit card purchases. With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information. 0% introductory APR for 12 months on purchases. Member FDIC.
2. Credit card: Capital One Spark Cash Plus
Rating: 4.9 / 5
Annual fee: $150
Rewards rate: 2%-5% (Earn unlimited 2% cash back on every purchase; Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel)
Intro offer: $2,000
Pros: High rewards rate, No preset spending limit, No foreign transaction fees, New cardholder bonus offer.
Cons: High annual fee, Balance must be paid in full every month, High spending requirement to hit bonuses, Requires excellent credit.
Why we like it: This card is best for businesses with big expenses and the cash flow to match. There’s no preset spending limit and you’ll earn 2% cash back on all purchases. You can also net an outstanding welcome offer.
Product Details: Earn a $2,000 cash bonus once you spend $30,000 in the first 3 months. Earn unlimited 2% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Travel. This is a charge card, meaning the balance must be paid in full each month.
3. Credit card: Ink Business Preferred® Credit Card
Rating: 4.8 / 5
Annual fee: $95
Rewards rate: 1x-3x (Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year; Earn 1 point per $1 on all other purchases — with no limit to the amount you can earn)
Intro offer: 90,000 points (Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening)
Pros: A massive sign-up bonus and strong ongoing rewards in key business categories — plus valuable travel redemption options — make this card a standout for growing companies.
Cons: The annual fee and high spending requirement for the bonus might deter smaller businesses with tighter budgets.
Why we like it: Few business cards match this combo of a huge bonus, solid rewards rates and travel perks — especially the 25% boost to point value when redeemed through Chase.
Product Details: Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, and advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases — with no limit to the amount you can earn. Points are worth 25% more when redeemed for travel through Chase Travel℠.
4. Credit card: The Blue Business® Plus Credit Card from American Express
Rating: 4.4 / 5
Annual fee: $0
Rewards rate: 1x-2x (Earn 2X Membership Rewards® points on everyday business purchases up to $50,000 per year, then 1X points thereafter)
Intro offer: 15,000 points (Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership)
Pros: High rewards rate,intro APR period,new cardholder bonus offer
Cons: Spending caps on bonus rewards,low rate after you hit bonus cap
Why we like it: You get a great reward rate, a long intro APR period and no annual fee. Plus, you’ll earn Membership Rewards points, which you can redeem for travel (1 point = $1) or as a statement credit for a slightly lower value.
Product Details: Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Earn 2X Membership Rewards® points on everyday business purchases up to $50,000 per year, then 1X points thereafter. Enjoy a 0% intro APR on purchases for 12 months from the date of account opening, then 17.49% – 25.49% variable APR.
5. Credit card: Capital One Venture X Business
Rating: 4.9 / 5
Annual fee: $395
Rewards rate: 2x-10x (Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel, 5X miles on flights booked through Capital One Travel, and 2X miles on all other purchases)
Intro offer: 150,000 miles (Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening)
Pros: High rewards rate, new cardholder bonus offer, priority Pass lounge membership, annual travel credit, bonus points,statement credit for Global Entry, TSA PreCheck®
Cons: The high annual fee and steep spending requirement for the bonus mean it’s best suited for businesses with substantial budgets.
Why we like it: This beefed-up travel card is a great option for folks who can’t stomach the annual fee of other luxury travel cards. You still get premium perks, like airport lounge access and an annual travel credit to use on bookings through Capital One Travel.
Product Details: Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening. Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel, 5X miles on flights booked through Capital One Travel, and 2X miles on all other purchases. Get a $300 annual travel credit and access to airport lounges.
6. Credit card: The American Express Blue Business Cash™ Card
Rating: 4.5 / 5
Annual fee: $0
Rewards rate: 1%-2% (Earn 2% cash back on eligible business purchases up to $50,000 per calendar year, then 1% thereafter)
Intro offer: $250 (Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 3 months)
Pros: High cash-back bonus rate, intro APR period, new cardholder bonus offer
Cons: Spending caps on bonus rewards, low rate after you hit bonus cap
Why we like it: Simple 2% cash back with no annual fee and a generous intro APR period make it a low-cost, flexible option for smaller operations.
Product Details: Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 3 months. Earn 2% cash back on eligible business purchases up to $50,000 per calendar year, then 1% thereafter. Get a 0% intro APR on purchases for 12 months from the date of account opening, then 17.49% – 25.49% variable APR.
7. Credit card: U.S. Bank Triple Cash Rewards Visa® Business Card
Rating: 4.4 / 5
Annual fee: $0
Rewards rate: 1%-3% (3% cash back on hotels, car rentals, and prepaid travel booked through the U.S. Bank Rewards Center; 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers, and restaurants; 1% cash back on all other purchases)
Intro offer: $750
Pros: High cash-back bonus rate, no cap on bonus rewards, intro APR period on purchases, reports to Dun & Bradstreet, new cardholder bonus offer
Cons: Low rate outside bonus categories, activity on employee cards does not count toward bonus spending requirement
Why we like it: The U.S. Bank Triple Cash Rewards Visa® Business Card is a triple-threat card, with a long intro APR period, a generous sign-up bonus and great cash-back rewards. If your business’s spending aligns with this card’s bonus categories — gas, office supplies, cell phone service and restaurants — the Triple Cash is a home run.
Product Details: Earn $750 in cash back. Just spend $6000 on the Account Owner’s card in the first 180 days of opening your account. Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs). 1% cash back on all other eligible net purchases.
8. Credit card: The Business Platinum Card® from American Express
Rating: 4.5 / 5
Annual fee: $0
Rewards rate:1x-5x
Intro offer: 150,000
Pros: Lounge membership, transfer partners Automatic elite status, annual statement credit for travel, business expenses, new cardholder bonus offer
Cons:High annual fee & low ongoing rewards rate
Why we like it: This card is built for business owners who spend more time in an airport than an office. Yes, it has a beast of an annual fee. But it includes some serious travel perks, including access to multiple airport lounge networks and automatic hotel elite status, plus credits for airline fees, wireless bills and trusted traveler programs.
Product Details: Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024. Access is limited to eligible Card Members. Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®.
